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Terra Insight

Two products. One architectural principle.

Deterministic, India-first, config-driven. TransactIG reconciles the transactions running through an Indian enterprise. TransactIQ reads the bank statements a lender uses to underwrite them. Both are built on the same conviction — that India's financial complexity needs purpose-built infrastructure, not imported generic tooling.

Reconciliation infrastructure
In production

TransactIG

Multi-pass reconciliation engine for Indian tax complexity — TDS, GST, NACH, platform settlements, and batch aggregation, across 24+ industry presets.

  • ▸ TDS reconciliation across every active section (194C, 194J, 194H, 194I, 194Q, 194O, 194S, 194T, 192, 195, 206AB, 206C)
  • ▸ GST ITC matching against GSTR-2B with Rule 36(4) and IMS workflows
  • ▸ Platform settlement disaggregation for Razorpay, Amazon, Flipkart, Meesho, UPI
  • ▸ NACH batch return handling with mandate management at lender scale
  • ▸ ISO 27001:2022 · AWS Mumbai · patent filed on variance taxonomy
Explore TransactIG → Reconciliation Software Guide
Bank statement intelligence
Launching 2026

TransactIQ

Bank statement analyzer API for Indian NBFCs. Benchmarked on PSU and cooperative formats, 40+ engineered credit signals, and synthetic financials for MSME underwriting. Self-hosted and managed deployment on AWS Mumbai.

  • ▸ OCR on degraded, dot-matrix, password-protected, and cooperative bank statements
  • ▸ 40+ engineered features — bounce prediction, salary consistency, EMI obligation, round-tripping
  • ▸ Four-layer synthetic financials for MSMEs (personal/business separation → P&L → balance sheet → cash flow)
  • ▸ Sync, async, and webhook APIs with batch processing to 10,000+ statements per day
  • ▸ Self-hosted, managed, or private-tenant deployment — India data residency
Explore TransactIQ → Early-access list

One architectural principle across both

TransactIG and TransactIQ are separate products with separate buyer personas. What they share is the operating philosophy underneath.

Deterministic over probabilistic

Every output is rule-traceable. Nothing goes into a credit decision or reconciliation report that we cannot explain to a regulator line by line. No black-box model scores.

India-first, not localised

Built for the sections, the forms, the regulators, and the bank formats that exist here — not ported from US or European tooling with a currency swap.

Config-driven, not rebuild-driven

Every customer deployment is a configuration, not a codebase fork. Upgrades apply to all tenants. No bespoke engineering backlog per lender.

ISO 27001:2022
Information security certified
AWS Mumbai
India data residency
Patent filed
Variance taxonomy and matching
Make in India
Startup India recognised

Talk to Terra Insight

Tell us whether it is TransactIG for reconciliation or TransactIQ for bank statement analysis — and the volume you are processing today. We will route you to the right engineering partner.

Request demo